| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 11.88% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS AGNCY | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | STANDARD INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 14.97% |
| GBS BENEFITS INC3 | 2200 S MAINT ST STE 600 SOUTH SALT LAKE, UT 84115 | AMERITAS LIFE INSURANCE COMPANY | $678 | $4K | $4K | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE COMPANY | 96 | $0 |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 306 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 109 | $91K |
| Short-term disability | STANDARD INSURANCE COMPANY | 109 | $91K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $91K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.